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The process can take anywhere from one month to three years, depending on where you live and the complexity of your case. It typically takes up to six months to receive a decision when you initially apply for disability. If you are denied, you have the right to a Request for Reconsideration.
If you do not want a lapse in income, you should work at least two to three months after the date you earn your final PEER point. Usually this allows sufficient time to process your application so that you receive your first benefit payment the month following your termination. Disability RetirementâBefore Age 65